No FENSA - what happens if the seller refuses the insurance??

Miss_TeamDG

Hi there, long time lurker and forum newbie here.

Can someone answer a quick question for me, please? Can our seller refuse to purchase indemnity insurance forthe double-glazing, if they don’t have the appropriate FENSA certificates?

I thought that they should provide the certificates or purchase the appropriateindemnity insurance. Although I hear from our Solicitor's secretary that they haverefused. Any idea what happens now? I cannot get hold of the Solicitor foranswers!

Thank you!

molerat

3 options - you buy as is, purchase the indemnity yourself or pull out of the sale. You can not force the seller to do anything but you may have to take into consideration what your lender is happy with and how much you have spent up to now.

martinsurrey

if they refuse, over night some men in boiler suits will come to the house and rip out the offending windows and drag the windows down the street while shouting "FENSA TO THE RESCUE!"

or, in reality, they dont have to do anything, the indemnity is a waste of time and money, but if the mortgage company want it, you have to pay the piper.

jbainbridge

molerat wrote: »

3 options - you buy as is, purchase the indemnity yourself or pull out of the sale. You can not force the seller to do anything but you may have to take into consideration what your lender is happy with and how much you have spent up to now.

Exactly. Assuming you are getting a mortgage it's likely your bank will require it ... so either you or the vendor will have to pay.

saabay

Check the FENSA website to see if the work was registered. It may be that they just haven't got the certificate. All you need is the postcode.


http://www.fensa.co.uk/asp/certificate.asp

princeofpounds

How much money is it we are talking about here?

Miss_TeamDG

Thanks guys. Really appreciate all of yourresponses. I’m not surprised by any of this!The vendors have been deliberately evasive throughout all of our communicationswith them.

I'm not sure how much money it is,princeofpounds. That’s one of the questions we need to ask. jbainbridge you areindeed correct, it’s a condition of our mortgage.

Now I just need to get hold of our Solicitor...

drdpj

I bought an indemnity for our buyer (the installer, despite being FENSA, had forgotten to register the installation). £35 if I recall. Such a piffling amount that it's really not worth losing a sale over (vendor's a bit of a git for not stumping up to be fair...).

d.

Hoploz

As saabay said, look up the house and see if it was registered.

Do you know when the windows were changed? It will only need a Fensa certificate if it was post 2002. Is there any paperwork proving they were done after this date?

Or if they were installed as part of larger job, eg extension, it might have been signed off under the building inspector directly, and be covered by the completion certificate for the whole works.

ThisTime

I have just paid for one and it was £88. hope that helps

Bonbon

My house is for sale and I'd lost the Fensa certificates for double glazing and a new door. As post #5 says I went to the Fensa website, put in my postcode and it showed the 2 certificates which I needed. I paid £10 each and received them 3 days later. Much cheaper than getting the your solicitor involved.